I am a Lending & Risk Operations leader with over a decade of experience building and scaling high-performance credit and collections engines across fintech and NBFC ecosystems. My expertise spans the full lending lifecycle — from acquisition strategy, underwriting alignment, onboarding and activation, to early warning systems, delinquency control, and portfolio profitability management. I specialize in transforming high-growth credit books into disciplined, risk-adjusted, revenue-generating portfolios. At scale, I have led AUM portfolios exceeding ₹150 Cr, built structured early-bucket collection frameworks (0–90 DPD), improved utilisation economics in card-based credit products, and implemented data-driven risk triggers that reduce NPA formation while protecting yield. Beyond operations, I operate with a P&L lens — aligning Sales, Credit, Risk, and Collections to ensure growth translates into sustainable contribution margins. Through this consultation, I can help you with: • Lending & collections strategy design • Early bucket control and NPA reduction • Risk-adjusted growth models • Portfolio diagnostics and delinquency flow fixes • Career positioning for credit / risk leadership roles If you are building, scaling, or restructuring a lending portfolio — or looking to step into leadership within this space — I bring practical, execution-tested frameworks rather than theoretical advice. Let’s build a profitable, risk-disciplined credit engine.